In the US, we could have universal health care paid out of general tax revenue, like most western democracies do (they all also have private health care should you want to go that route). But we spend all that money that could be used to heal people on our war machine. And that's the choice we've made. The wrong choice imho. But that's what it is.
Part Two - Ethics ~ Integrity ~ Morality
Let's start with some basic definitions here;
HEALTH CARE = what an individual does to take CARE of their HEALTH.
Items such as a healthy and nutritious diet;
not overeating;
exercise;
plenty of rest;
avoid abusing alcohol, tobacco, and other substances;
avoid risky activities and hobbies; Etc.
Medical Care = The services of medical professionals, such as doctors~clinics~hospitals when "taking care of you health" hasn't worked out; or you acquire disease/illness, or physical injury, etc.
Medical Care Insurance = something you pay a premium($) for to cover some of the expenses needed when you must/want to use Medical Care.
Note that insurance is a form of a betting pool where you are betting with the insurance company that you will need more money from them than you paid to them, and the insurance company is betting they won't have to pay out as much or more back to you than you paid them. This is where the actuaries make the good buck$ to determine premium rates for insurance that will keep the insurance companies from paying out more than they bring in.
So the major question of ethics~integrity~morals here is if "YOU" don't do the things listed above to take good care of "YOUR" health, why should I or any of your fellow citizens be obligated to pay any of the costs that result as consequences from YOUR poor choices and lifestyle when taking care of YOUR health ???
What gives you a right of personal greed to take my wealth to pay for your bad decisions?
The way the system works now in the USA, too many of us whom do try to live a healthy lifestyle and "take care of our health", wind up paying too much out of our pocket$ to those whom don't live healthy lifestyles and don't take good care of their health.
Would seem that some are already getting more than their "fair share" of medical care cost$ being paid by the rest of us.